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IMSolutions is the FinTech company of the Liberto Group specialising in the digital transformation of risk and collection processes through amicable, secure, omnichannel solutions, based on innovative and flexible technology, that optimise companies’ results and the consumers’ experience.

LEGAL

CREDENTIALS

The data collected through this web page (www.imsolutions.es) owned by Integrated Multichannel Solutions, S.L. (hereinafter, “IMS”) will be processed in accordance with the provisions in this Privacy Policy. To that end, users are hereby informed that this Privacy Policy applies not only to those data that they provide in the registration forms included on the web page, but also to all the information that they provide to IMS to procure the products and services offered through www.imsolutions.es.

Collection of data and purpose of the processing

For the purposes of the Spanish Data Protection Act (Ley Orgánica 15/1999, de 13 de diciembre, de Protección de Datos de Carácter Personal, hereinafter, the “LOPD”), as well as Royal Decree 1720/2007, of 21 December, approving the regulations implementing the LOPD (hereinafter, the “RDLOPD”), we hereby inform you that the personal data you provide to us though any form on this website as well as those you provide to us in the future will be incorporated into a data file owned by IMS and maintained under its responsibility. The purpose of that file is to manage the relationship of IMS with the users of the website and provide them with the requested information, as well as to keep them informed about our or third-party products, offers and promotions that may be of interest to them, using for this the email address or other contact data provided by the users in the corresponding registration form, via any means of communication including but not limited to sending commercial messages via SMS, email and the postal service.

By providing his/her data the user expressly consents to the use thereof for the described purposes and undertakes to guarantee that the information and data he/she gives by virtue of using this website are true and authentic. In this respect, it is the obligation of the users to keep the information and data updated so that they reflect reality at all times. Any false or inaccurate representations occurring as a result of the information and data stated, as well as the damage that information may cause to IMS, will be the responsibility of the users.

IMS undertakes in its use of the data included in the file to respect the confidentiality thereof and to use them in accordance with the purpose of the file, as well as to fulfil its obligation to save them and adopt all technical and organisational measures necessary to guarantee the security of the personal data and to prevent unauthorised alteration, loss, processing or access, in accordance with the provisions of the RDLOPD.

Blog

The IMSolutions blog is managed by company personnel and is governed by the following terms of use:

»All comments must reflect the matter being debated.

» The use of any defamatory or humiliating terms, insults or disrespectful tones in the comments is prohibited. What is of interest is relevant content, ideas and opinions from everyone, without resorting to insults or slurs.

» No harmful, illegal or injurious comments will be published.

» No commercial and/or advertising comments unrelated to IM Solutions or to the companies of the group it is part of, Liberto Group, will be published.

» Care should be taken to write the comments clearly and properly.

» All comments will be reviewed by the Administrator of the Blog before publication, who reserves the right not to publish any comments that do not meet the terms of use of the Blog.

»The details provided by the user (name, company and email address) will fall under the protection of the Administrator of the Blog; the user will have to approach the Administrator of the Blog, in the event the user wishes to take action regarding them or anything that has been published, through the email arco@imsolutions.es These data will be used exclusively for the proper functioning of the Blog and to establish a channel for contact that informs users about the latest posts and comments published (optional). In no case will they be published or used for commercial purposes.

» The user, by participating in the Blog, is understood to be aware of these terms of use and accepts them.

Exercising rights

In accordance with the LOPD, the user may exercise his/her rights of access, rectification, cancellation and/or objection relating to his/her personal data at any time, by writing to the following email address: arco@imsolutions.es , or to the registered office of IMS located at calle Isabel Colbrand no. 22, 28050 (Madrid). To be able to process the application to exercise rights, the user’s identity will have to be verified, and therefore the application must include the name and surname/s, the request in which the application is specified, the address for notification purposes, the date and the user’s signature, as well as a photocopy of the user’s national ID document or another valid identification document. Exercising these rights will not affect access to the web page in any way.

Amendment of the Privacy Policy

IMS may amend this Privacy Policy at any time and successive versions will be published on the web page. In any case, IMS will give prior notice of the amendments to this policy that affect the users so that they can accept the amendments.

LEGAL NOTICE AND TERMS OF USE OF THE INTEGRATED MULTICHANNEL SOLUTIONS, S.L. WEBSITE.

This Legal Notice and Terms of Use (hereinafter, “Legal Notice”) regulates access to and use of the Internet portal www.imsolutions.es (hereinafter, the “Website”) owned by Integrated Multichannel Solutions, S.L. Pursuant to Spanish Law 34/2002, of 11 July, on information society services (Ley 34/2002, de 11 de julio, de Servicios de la Sociedad), we hereby inform you that this web page is owned by Integrated Multichannel Solutions, S.L. (hereinafter, “IMS”) a Spanish company with tax ID (CIF) number B-85707644, located in calle Isabel Colbrand no. 22; 28050 Madrid, and registered in the Madrid Commercial Registry in Volume 26,690, Folio 64, 8th Section, Page M-480999, and that it is duly entitled to use and exploit this Website, the use of which is subject to this Legal Notice.

Acceptance

Browsing, simply accessing the Website and/or merely using the services offered through it confers the status of user of the web page (hereinafter, the “User”) and involves full and unreserved acceptance of the conditions contained in this Legal Notice in the version published by IMS at the time when the User accesses the Website.IMS reserves the power to amend unilaterally, at any time and without notice the clauses of this Legal Notice as well as the configuration and, in general, any other content or service of its web page. Using the services and/or simply accessing the web page will entail acceptance of any amendments made. Therefore, IMS recommends consulting this document, as well as its subsequent amendments, from time to time.Likewise, use of the Website is subject to all the legal notices, regulations for use or instructions made known to the User through this Website and that replace, complete and/or amend this Legal Notice.

Use of the Website

The use of the Website will be free of charge, notwithstanding the connection charge paid by the User to gain access through the relevant telecommunications network. The User acknowledges and voluntarily and expressly accepts that the use of the Website is made under his/her sole and exclusive responsibility in all cases. The User undertakes to use the Website and its services and contents without contravening the legislation in force, principles of good faith, generally accepted uses or public order. In addition, use of the Website for purposes that are illegal or injurious to IMS or any third party is prohibited.While making use of the Website, the User undertakes not to act in any way that may damage the image, interests and/or rights of IMS and/or of third parties, or that may damage, render useless or overload the Website, or that may impede, in any way, the normal use of the Website, the computer equipment or the documents, files and all manner of contents stored in any computer equipment of IMS, of other users or of any other Internet user (hardware and software). By way of example and not as a limitation, the User undertakes not to transmit, disseminate or make available to third parties information, data, contents, messages and/or in general any type of material that:

In any way contravenes, denigrates or threatens fundamental rights and liberties recognised by applicable legislation, violates business secrets of third parties or infringes the regulations on privacy of communication and/or is contrary to the right to honour, to personal and family privacy or to the self-image of people.

Incorporates, makes available or enables access to products, elements, messages and/or services that are criminal, defamatory, violent, offensive, harmful, discriminatory and/or against the law, generally accepted morals and behaviour, or public order.

In general, use of the Website does not require prior subscription or registration by users. However, IMS makes the use of certain services or access to certain content conditional upon prior completion of the relevant User registration and/or form, which are available on the Website. All the information provided by the User through any registration or form of this Website must be accurate. In this respect, the User represents and warrants that the data he/she communicates to IMS as a result of completing any of the aforementioned forms are genuine. In addition, it will be the responsibility of the User to keep all the information provided to IMS permanently updated. In any case, the User will be solely responsible for any false or inaccurate representations he/she makes and, where appropriate, for any loss and damage that that false information may cause IMS.

Industrial and intellectual property.

All the industrial and intellectual property rights, as well as all the information contained on the Website (images, trade marks, graphic design, source code, design, browsing structure, databases and any other content appearing therein) are the exclusive property of IMS or, where appropriate, are duly licensed by the holder. The names of other products, services and companies that appear in this document or on the Website may be trade marks or other distinctive signs registered by their respective legitimate owners, and it may not be construed that access to or use of the Website grants the User any rights over the aforementioned trade marks and the other registered distinctive signs. In addition, all the information and content of the Website are protected by copyright and the intellectual property thereof belongs to IMS or, as the case may be, the use and exploitation thereof has been duly authorised by the holder, and it may not be construed that any of the rights to exploitation related to the aforementioned information and content have been assigned to the User beyond what is strictly necessary for the correct use of the Website.

In the described context, the User is only authorised to view and obtain a temporary private copy of the contents for his/her exclusive personal and private use in his/her computer system (software and hardware) and which are not subsequently transferred to third parties. Subject to the above exemptions, the User is expressly prohibited from reproducing, altering, distributing, communicating publicly, making available, extracting, reusing, forwarding or using in any way, through any means or procedures, any of them, except in the cases that are legally permitted or if expressly authorised in writing by IMS and/or the holder of the corresponding rights. By way of example, and not as a limitation:

The User is not authorised to use the information contained on the Website with the purpose of carrying out commercial or professional activities (direct marketing or with any other type of commercial end as well as commercialising that information in any manner whatsoever).

The User is not authorised to delete, ignore or manipulate the copyright and other data identifying the rights of IMS, or any other protective mechanisms.

The User is not authorised to dismantle, decompile or invert the databases in which the Website information is stored.

Any unauthorised use of the information contained on the Website, its resale, as well as any infringement of the industrial and intellectual rights of IMS will give rise to the responsibilities established by law.

Limitation of liability

IMS reserves the right to interrupt access to its web page, as well as the provision of any or all of the contents and/or services that are offered through the web page, at any time without notice, whether for technical, security, control or maintenance issues or for any other cause. Consequently, IMS does not guarantee the reliability, availability or continuity of its web page or of the contents offered in it, and therefore access to the aforementioned Website and the contents thereof by the User is in the User’s own name and at the User’s own risk. Likewise, IMS will not be liable for temporary interruptions to the service, delays, errors, malfunctions and, in general, other inconveniences originating from causes beyond the control of IMS and/or that are due to wrongful or unlawful actions on the part of the User and/or caused by force majeure.In this respect, IMS excludes, to the full extent permitted by law, any liability for any loss and damage of any nature that may be due to the lack of availability or continuity of operation of the Website, the services, to the fallibility of the Website and of the services, to problems accessing the different web pages of the Website or to those from where the services are provided.

IMS adopts security measures which are reasonably adequate to detect the existence of viruses. However, the User must be aware that the security measures of computer systems on the Internet are not entirely reliable and that, therefore, IMS cannot guarantee the absence of viruses or other elements that may cause alterations in the computer systems (software and hardware) of the User or in the User’s electronic documents and the files contained therein. In this respect, IMS excludes, to the full extent permitted by law, any liability for any loss and damage of any nature that may be due to the presence of viruses or other elements in the contents of the Website that may give rise to alterations in the computer system, electronic documents and/or in the files of the users. Finally, IMS does not assume liability for the use that the User makes of the contents of the Website that may entail a violation of any type of rule, whether national or international, of intellectual or industrial property rights or of any other rights of third parties. Accessing the Website and any use that may be made of the information contained on the Website is the exclusive responsibility of the person who does so.

IMS will not be liable for any consequence, loss or damage that may arise out of that access or use of the information. IMS will not be liable for any consequence, loss or damage that may arise out of that access or use of the information. IMS does not accept any liability or responsibility for possible security errors that may occur nor for possible damage that may be caused to the User’s computer system (hardware and software), the files and the documents stored in it as a result of the malfunctioning of the browser or the use of not-updated versions of the browser.IMS is not responsible for any loss or damage arising from the use of the contents of the Website. In particular, IMS does not accept any liability or responsibility for the contents or the state of the links contained in this Website and that can lead the User to other websites and web pages managed by third parties. IMS does not accept any liability or responsibility for the contents or the state of the aforementioned websites and web pages. Access to these through this Website does not imply that IMS recommends or endorses their contents.

Links policy

Introducing hyperlinks or technical linking devices (e.g., links, banners or buttons) for commercial purposes in non-IMS web pages that allow access to this domain without the prior written consent of IMS is strictly prohibited. In all events, the existence of such hyperlinks will not imply under any circumstances the existence of commercial or mercantile relationships with the owner of the web page on which the hyperlink is established nor the acceptance by IMS of its contents or services. In any case, IMS reserves the right to prohibit or disable at any time any hyperlink or technical linking device (e.g., links, banners or buttons) to its website, especially where the activity or contents of the website where the hyperlink or technical linking device has been inserted is unlawful.

Furthermore, IMS does not guarantee or assume any type of liability for any loss or damage suffered by access to third-party contents through the possible connections or links of the sites linked from the Website. The function that, as the case may be, such hyperlinks or technical linking devices (e.g., links, banners or buttons) could have is exclusively that of informing users about the existence of other sources of information or other Internet contents and services. IMS will not be liable under any circumstances for the result obtained through such hyperlinks or technical linking devices (e.g., links, banners or buttons) or for the consequences that derive from access by the users to these (linked sites). These third-party contents are provided by the third parties, and therefore IMS cannot control the lawfulness of such contents or the quality of the services offered in them.IMS does not offer or commercialise itself and/or through third parties the information, contents and services available on the linked websites. It does not endorse, supervise or control in any way the contents and services as well as any material of any nature on said websites and the User assumes exclusive responsibility for browsing through them.

Notifications

All the notifications and communications (hereinafter, “Notifications”) by the user to IMS will be deemed effective for all purposes when they are addressed to the Atención al Usuario (User Care) service at the following email address: info@imsolutions.es. Likewise, all the Notifications made by IMS to the user will be deemed valid if they have been given by using the User’s details and through any legally valid medium of communication. For the purposes hereof, the User represents and warrants that all the data provided by him/her are true and correct and that they will be kept duly updated by the User.This web page has been prepared at all times in accordance with the principles of good faith by IMS. However, in the event that any third party considers that third party’s intellectual and/or industrial property rights have been infringed, IMS can be notified thereof through a communication addressed to the registered address of IMS indicated above.

Withdrawal and suspension of service

IMS may withdraw or suspend at any time, and without needing to provide prior notice, the provision of the services offered through the Website to those users who fail to comply with the provisions of this Legal Notice.

Duration and termination

The existence of the Website, as well as the provision of the services offered on the Website, is in principle of indefinite duration. However, IMS is entitled to terminate or suspend the provision of the aforementioned services and cancel the Website at any time. Where reasonably possible, IMS will give prior notice to the users about the termination or suspension of the Website as well as, as the case may be, the services offered on it.

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